Osage County, OK: Fair Market Rent 2027 and Income Limits

Official HUD figures for landlords and renters, effective October 1, 2026 (rents) and May 1, 2026 (income limits).

$1,2292-bedroom FMR, FY2027

$1,0071-bedroom FMR, FY2027

$76,00080% income limit, family of 4 (FY2026)

$95,000Median family income (FY2026)

The FY2027 Fair Market Rent for a two-bedroom unit in Osage County is $1,229 a month, up 1.0% from $1,217 in FY2026. Osage County belongs to the Tulsa, OK HUD Metro FMR Area FMR area, so the same figures apply across that area. FMRs are gross rents: rent plus all tenant-paid utilities except phone, cable and internet.

Fair market rent in Osage County by bedroom count

Unit size	FY2027 FMR	FY2026 FMR	Change	Payment standard range (90–110%)
Studio	$947	$933	+1.5%	$853 – $1,041
1 bedroom	$1,007	$987	+2.0%	$907 – $1,107
2 bedrooms	$1,229	$1,217	+1.0%	$1,107 – $1,351
3 bedrooms	$1,611	$1,602	+0.6%	$1,450 – $1,772
4 bedrooms	$1,882	$1,858	+1.3%	$1,694 – $2,070

Source: HUD Fair Market Rents FY2027 (effective October 1, 2026) and FY2026 (revised file), details.

What can a landlord charge a Section 8 tenant here?

The FMR is not a cap on what you can ask on the open market. For a Housing Choice Voucher tenant, the local housing authority sets a payment standard, normally between 90% and 110% of the FMR (or of the ZIP-level Small Area FMR where those apply). For a two-bedroom unit in Osage County that is typically $1,107 to $1,351 including utilities. You can charge more than the payment standard if the rent passes the housing authority's rent-reasonableness test and, at move-in, the tenant's share stays within 40% of their adjusted monthly income. Ask the housing authority for its current payment standard schedule.

Can local renters afford the fair market rent?

$34,941median income of renter households

$777Median gross rent, all units

27%Rent-to-income ratio (median rent ÷ median renter income)

46%of renter households pay 30% or more of income on rent

At the 30% rule, a renter household earning the local median of $34,941 can afford about $874 a month including utilities. The FY2027 two-bedroom Fair Market Rent of $1,229 is $355 (40.7%) more than that. To rent a two-bedroom at the FMR, a household needs $49,160 a year under the 30% rule, or $44,244 under the common landlord rule that income must be three times the rent.

Osage County, ACS 2020–2024	Estimate ± MOE
Median gross rent (rent + utilities)	$777 ±$52
Median income of renter households	$34,941 ±$4,848
Renters paying 30% or more of income (cost-burdened)	45.6% ±5.7
Renters paying 50% or more (severely cost-burdened)	21.2% ±3.9
Renter households (where the share can be computed)	2,886

Change since 2015–2019

	ACS 2015–2019	ACS 2020–2024	Change
Median gross rent	$715	$777	+8.7%
Median renter household income	$30,339	$34,941	+15.2%
Renters paying 30%+ of income	46.6%	45.6%	−1.0 pts

Rent-to-income calculator: does an applicant qualify? → · Most affordable counties to rent in this state →

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates 2020–2024 and 2015–2019 (tables B25064, B25119, B25070). ± = margin of error at 90% confidence. Dollar figures are not adjusted for inflation.

Small Area FMRs by ZIP code (FY2027)

In metro areas HUD also publishes ZIP-level Small Area Fair Market Rents. Housing authorities in designated areas must use them for voucher payment standards; others may opt in. Here the two-bedroom SAFMR ranges from $920 to $1,760 depending on the ZIP code.

All 122 ZIP codes in this FMR area

ZIP	0 BR	1 BR	2 BR	3 BR	4 BR
74001	$840	$900	$1,090	$1,440	$1,670
74002	$710	$750	$920	$1,200	$1,400
74003	$720	$790	$940	$1,270	$1,300
74008	$1,160	$1,230	$1,500	$1,970	$2,300
74010	$750	$790	$970	$1,270	$1,480
74011	$1,200	$1,280	$1,560	$2,050	$2,390
74012	$1,090	$1,160	$1,420	$1,860	$2,170
74013	$960	$1,020	$1,240	$1,630	$1,900
74014	$1,270	$1,350	$1,650	$2,160	$2,530
74015	$990	$1,050	$1,280	$1,680	$1,960
74016	$710	$750	$920	$1,210	$1,400
74017	$940	$1,000	$1,220	$1,600	$1,870
74018	$930	$990	$1,210	$1,590	$1,850
74019	$860	$920	$1,120	$1,470	$1,720
74021	$1,050	$1,120	$1,360	$1,790	$2,080
74022	$700	$780	$920	$1,250	$1,270
74023	$730	$750	$920	$1,270	$1,340
74028	$720	$770	$940	$1,230	$1,440
74030	$710	$750	$920	$1,210	$1,400
74031	$930	$990	$1,210	$1,590	$1,850
74033	$1,160	$1,230	$1,500	$1,970	$2,300
74035	$710	$750	$920	$1,200	$1,400
74036	$860	$910	$1,120	$1,470	$1,700
74037	$1,360	$1,440	$1,760	$2,310	$2,700
74038	$890	$950	$1,150	$1,530	$1,850
74039	$840	$890	$1,090	$1,430	$1,670
74041	$1,000	$1,060	$1,300	$1,700	$1,990
74043	$960	$1,020	$1,240	$1,630	$1,900
74044	$810	$860	$1,050	$1,370	$1,610
74046	$780	$810	$920	$1,220	$1,420
74047	$780	$810	$990	$1,330	$1,460
74048	$700	$700	$920	$1,140	$1,540
74050	$710	$750	$920	$1,200	$1,400
74051	$700	$770	$920	$1,240	$1,280
74052	$710	$750	$920	$1,210	$1,410
74053	$880	$930	$1,140	$1,490	$1,750
74054	$720	$770	$940	$1,230	$1,470
74055	$1,080	$1,150	$1,400	$1,840	$2,140
74056	$710	$750	$920	$1,200	$1,400
74060	$710	$750	$920	$1,200	$1,400
74061	$770	$850	$1,000	$1,360	$1,370
74063	$890	$950	$1,160	$1,520	$1,780
74066	$890	$940	$1,150	$1,510	$1,760
74067	$860	$910	$1,110	$1,460	$1,700
74068	$710	$760	$930	$1,220	$1,420
74070	$840	$900	$1,090	$1,440	$1,670
74071	$750	$790	$970	$1,270	$1,480
74073	$860	$920	$1,120	$1,470	$1,720
74079	$800	$820	$920	$1,220	$1,410
74080	$840	$890	$1,090	$1,430	$1,650
74081	$940	$990	$1,230	$1,620	$2,010
74084	$710	$750	$920	$1,200	$1,400
74085	$720	$750	$920	$1,270	$1,340
74101	$960	$1,020	$1,240	$1,630	$1,900
74103	$1,200	$1,280	$1,560	$2,050	$2,390
74104	$1,060	$1,130	$1,380	$1,810	$2,110
74105	$980	$1,040	$1,270	$1,660	$1,940
74106	$840	$890	$1,090	$1,430	$1,670
74107	$930	$990	$1,210	$1,590	$1,850
74108	$980	$1,040	$1,270	$1,660	$1,940
74110	$820	$870	$1,060	$1,390	$1,620
74112	$970	$1,030	$1,260	$1,650	$1,930
74114	$1,160	$1,230	$1,500	$1,970	$2,300
74115	$840	$890	$1,090	$1,430	$1,670
74116	$730	$780	$950	$1,250	$1,450
74117	$920	$980	$1,190	$1,570	$1,830
74119	$1,040	$1,110	$1,350	$1,770	$2,070
74120	$950	$1,010	$1,230	$1,610	$1,880
74126	$940	$1,000	$1,220	$1,600	$1,870
74127	$920	$970	$1,190	$1,560	$1,820
74128	$950	$1,010	$1,230	$1,610	$1,880
74129	$850	$900	$1,100	$1,440	$1,680
74130	$1,000	$1,060	$1,300	$1,700	$1,990
74131	$920	$970	$1,190	$1,560	$1,820
74132	$1,030	$1,100	$1,340	$1,760	$2,050
74133	$1,150	$1,220	$1,490	$1,950	$2,280
74134	$890	$950	$1,160	$1,520	$1,780
74135	$920	$980	$1,200	$1,570	$1,840
74136	$960	$1,020	$1,240	$1,630	$1,900
74137	$1,090	$1,160	$1,420	$1,860	$2,170
74141	$960	$1,020	$1,240	$1,630	$1,900
74145	$950	$1,010	$1,230	$1,610	$1,880
74146	$890	$940	$1,150	$1,510	$1,760
74147	$960	$1,020	$1,240	$1,630	$1,900
74148	$960	$1,020	$1,240	$1,630	$1,900
74149	$960	$1,020	$1,240	$1,630	$1,900
74150	$960	$1,020	$1,240	$1,630	$1,900
74152	$960	$1,020	$1,240	$1,630	$1,900
74153	$960	$1,020	$1,240	$1,630	$1,900
74155	$960	$1,020	$1,240	$1,630	$1,900
74156	$960	$1,020	$1,240	$1,630	$1,900
74157	$960	$1,020	$1,240	$1,630	$1,900
74158	$960	$1,020	$1,240	$1,630	$1,900
74159	$960	$1,020	$1,240	$1,630	$1,900
74169	$960	$1,020	$1,240	$1,630	$1,900
74170	$960	$1,020	$1,240	$1,630	$1,900
74171	$1,000	$1,060	$1,290	$1,690	$1,980
74172	$960	$1,020	$1,240	$1,630	$1,900
74182	$960	$1,020	$1,240	$1,630	$1,900
74186	$960	$1,020	$1,240	$1,630	$1,900
74187	$960	$1,020	$1,240	$1,630	$1,900
74192	$960	$1,020	$1,240	$1,630	$1,900
74332	$800	$810	$1,040	$1,350	$1,440
74337	$710	$720	$920	$1,220	$1,270
74352	$710	$720	$920	$1,220	$1,270
74361	$760	$770	$980	$1,300	$1,350
74403	$730	$730	$960	$1,210	$1,410
74421	$870	$870	$1,080	$1,490	$1,520
74429	$870	$930	$1,130	$1,480	$1,730
74434	$700	$710	$920	$1,160	$1,300
74436	$740	$750	$970	$1,240	$1,410
74441	$800	$800	$1,010	$1,270	$1,330
74446	$820	$870	$1,060	$1,390	$1,620
74454	$710	$750	$920	$1,200	$1,400
74458	$760	$810	$990	$1,290	$1,500
74467	$780	$830	$1,010	$1,320	$1,550
74477	$780	$830	$1,010	$1,320	$1,550
74604	$650	$710	$920	$1,200	$1,270
74633	$710	$750	$920	$1,200	$1,400
74637	$710	$750	$920	$1,200	$1,400
74650	$710	$750	$930	$1,200	$1,460
74652	$750	$800	$980	$1,280	$1,480

Source: HUD FY2027 Small Area FMRs (effective October 1, 2026).

HUD income limits for Osage County (FY2026)

Income limits decide who qualifies for Section 8 vouchers, public housing and most HUD-assisted units. The area median family income is $95,000 (FY2025: $90,300, +5.2%). Small figures under each limit show the change from FY2025.

Household size	1 person	2 people	3 people	4 people	5 people	6 people	7 people	8 people
Extremely low income (30%)	$19,950 +5.0%	$22,800 +5.1%	$27,320 +2.5%	$33,000 +2.6%	$38,680 +2.7%	$44,360 +2.8%	$50,040 +2.9%	$55,720 +2.9%
Very low income (50%)	$33,250 +5.1%	$38,000 +5.1%	$42,750 +5.2%	$47,500 +5.2%	$51,300 +5.1%	$55,100 +5.2%	$58,900 +5.2%	$62,700 +5.2%
Low income (80%)	$53,200 +5.1%	$60,800 +5.2%	$68,400 +5.1%	$76,000 +5.2%	$82,100 +5.2%	$88,200 +5.2%	$94,250 +5.2%	$100,350 +5.2%

The 30% limit is HUD's “extremely low income” limit: the higher of 30% of median income or the federal poverty guideline, but never above the 50% limit. That is why it can rise faster than 30% of median for larger households. Tax-credit (LIHTC) properties use separate Multifamily Tax Subsidy Project limits.

Source: HUD Section 8 Income Limits FY2026 (effective May 1, 2026) and FY2025, details.